Every automobile insurance policy issued in Florida which provides bodily injury liability coverage must also provide an equal amount of uninsured/underinsured motorist (UM/UIM) coverage, unless the insured properly rejected such coverage in writing or the insured selects lesser coverage. If the insured is injured in an accident with an uninsured motorist and it turns out that an insurer failed to obtain an informed rejection, the insurance company must provide stacking UM/UIM coverage at that point, even if the injured had not been paying for it.

The UM/UIM coverage covers a variety of accidents involving a motor vehicle, as long as there has been a physical contact with the uninsured vehicle or a phantom vehicle caused another vehicle to wreck without actual contact (e.g., hit and run accidents, accidents caused by objects falling off of another vehicle, accidents caused by blown truck tires on highway, accidents caused when a vehicle is forced off the road to avoid a head-on collision, etc.).

​ The UM/UIM coverage may be stacking or non-stacking. Although non-staking UM costs at least 20% less than stacking UM, stacking UM provides 2 valuable benefits non-stacking UM does not, such as stacking UM allows the insured to add the UM limits of two or more vehicles together for any one accident and it covers the insured in any vehicle (non-stacking UM provides coverage only for the vehicle on which the UM premium is paid).

Finally, the UM/UIM coverage covers not only the named insured, but also the named insured's resident relatives when injured in the insured vehicle, someone else’s vehicle, or as a pedestrian. The UM/UIM coverage also covers permissive users or passengers in the insured vehicle, in addition to their own UM/UIM coverage. If you would like to have your case evaluated by an experienced Florida personal injury attorney, call our office now for a free non-obligation consultation. You owe us nothing unless we win your case, and in most cases we are able to substantially reduce our personal injury contingency fees to save you hundreds or even thousands of dollars.

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